Business Details
We are a professional mortgage firm based in Lakeland, Florida, and licensed to serve clients throughout the state. Our founder, Chad Zwolinski, brings extensive industry expertise to our team, having been active in the mortgage business since 1998. We draw upon a deep professional background that includes experience with major institutions such as MetLife Home Loans, PNC Mortgage, and CITI Mortgage. Our primary objective is to act as your trusted advisor by providing personalized service tailored to your unique financial needs. We are dedicated to securing the most competitive rates and the ideal loan options for every client.
Our team prides itself on delivering the fastest turn times in the industry to ensure a seamless experience. We guide our clients through every critical phase, from the initial application to the final closing. We maintain rigorous professional standards to exceed client expectations and ensure a smooth transition into a new home. Our problem-solving capabilities allow us to overcome complex roadblocks to meet strict timelines. We remain committed to transparency, diligence, and absolute client satisfaction in every transaction.
Our team prides itself on delivering the fastest turn times in the industry to ensure a seamless experience. We guide our clients through every critical phase, from the initial application to the final closing. We maintain rigorous professional standards to exceed client expectations and ensure a smooth transition into a new home. Our problem-solving capabilities allow us to overcome complex roadblocks to meet strict timelines. We remain committed to transparency, diligence, and absolute client satisfaction in every transaction.
Highlights and features
- Our founder has mortgage industry experience since 1998.
- We provide the fastest turn times in the industry.
- Our team offers licensed expertise across the state of Florida.
- We maintain a strict policy against selling client information.
- Our founder has experience with MetLife, PNC, and CITI.
Services
Conventional Mortgages
We provide conventional mortgage options that adhere to Fannie Mae and Freddie Mac guidelines. This service is ideal for borrowers with a minimum 5% down payment and a lower debt-to-income ratio. Clients benefit from structured loan limits and professional guidance on managing private mortgage insurance requirements.
FHA Loans
Our FHA loan services offer government-insured mortgages for buyers seeking lower entry barriers. We assist clients in purchasing homes with as little as 3.5% down payment. These loans provide essential benefits for those needing more leniency regarding credit scores and funds to close.
VA Loans
We offer specialized VA loan services tailored to meet the unique needs of qualified veterans. Our team ensures that eligible service members receive the mortgage benefits they earned. This process provides a streamlined path to homeownership with authoritative professional support.
USDA Loans
Our USDA loan options are designed for eligible rural and suburban homebuyers across Florida. We help clients navigate the specific requirements to secure government-backed financing. This service enables more families to access affordable housing in designated areas.
Non-QM Loans
We provide Non-QM loan solutions for borrowers who do not fit traditional qualifying criteria. This service is perfect for self-employed individuals or those with unique financial profiles. We ensure clients find viable funding options when conventional loans are not applicable.
